Elk Grove ,CA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Elk Grove, CA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Elk Grove, CA is $1346. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Elk Grove, CA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Elk Grove, CA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $538 |
| $200,000 | $915 |
| $300,000 | $1,131 |
| $400,000 | $1,723 |
| $500,000 | $2,167 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Elk Grove, CA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,380 |
| $1000 Deductible | $1,234 |
| $1500 Deductible | $1,164 |
| $2500 Deductible | $1,050 |
| $5000 Deductible | $888 |
| Home Insurance Company Near Elk Grove, CA | Homeowners Insurance Agency Near Elk Grove, CA | Address |
|---|---|---|
| Liberty Mutual Independent | Gateway Professional Ins Svc | 1990 ALAMO DR SUITE 1, VACAVILLE, CA, 95687 |
| Allstate | Gregory Edwards | 2001 Jefferson St Ste B, Napa, CA, 94559 |
| Allstate | Jeff Macdonald | 2197 Main St, Oakley, CA, 94561 |
| Nationwide | Maffei Ins & Fin Services | 2540 Pacific Ave STE 1, Stockton, CA, 95204-4400 |
| Allstate | Troy Greenway | 4240 Rocklin Rd Ste 4, Rocklin, CA, 95677 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Sacramento County, California | $91 | $121 | $182 |
| Florin CDP, California | $89 | $118 | $177 |
| Vineyard CDP, California | $92 | $122 | $183 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Elk Grove, CA | 2.3% | 10.3% |
| Sacramento County | 2.59% | 11.58% |
| Florin | 3.26% | 13.16% |
| Vineyard | 2.24% | 10.08% |
| Elk Grove Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 517 | 4.0% | $1919 |
| $750 to $999 | 1,658 | 13.0% | $2669 |
| $1,000 to $1,499 | 4,041 | 34.0% | $3794 |
| $1,500 or more | 5,390 | 45.0% | $5444 |
| Streets in Elk Grove Area | Homeowners Insurance Cost |
|---|---|
| Brinzino Ct, Serta Ct, Rawley Way, Valenda Ct, Siefker Ct, Gopherglen Ct, Avocet Ct, Bari Ct, Gold Poppy Way, Marsh Hawk Ct | $620 |
| Jordan Ln, Cypress Creek Way, Chimes Harbor Dr, Engleside Ct, Richert Ln, Donegal Bay Dr, Grimsby Ct, Delta Sand Ct, Bangor Ct, Sunny Glade Ct | $598 |
| Brairglen Ct, Dutch Iris Ct, Durango Way, Dino Dr, Geranium Way, Malheur Way, Tuzza Ct, Sky Dome Ct, Spring Flower Dr, Castleshore Ct | $599 |
| Mountain Vista Cir, Catfish Ct, Kestrel Ct, Apple Mill Dr, Morum Ct, Laguna Creek Dr, Newby Way, Saintsbury Ct, River Thread Ct, Mariolyn Ct | $607 |
| Clemenza Way, Gladiola Way, Cariann Ct, Di Lusso Dr, Foremast Ct, Louis St, Shady Vista Ct, Owlet Ct, New Age Ct, Sun Sprite Ct | $605 |
| Opp Ct, Rossport Way, Trenholm Dr, Big Timber Dr, White Pine Way, Core Rd, Grey Star Ct, Jordan Ranch Rd, Emily St, Rocky Creek Ct | $606 |
| Meadowfoam Ct, Village Brook Way, Cantabria Ct, Kenton Way, Millner Way, Machado Ranch Dr, Corton Way, Magnolia Hill Way, Jef Jen Way, Laguna Shore Way | $612 |
| Newry Ct, Casandra Ct, Shoofly Ct, Sebring Ct, Bella Vista Pl, Koto Dr, Kind Ct, June Bug Ct, Baisley Ct, Crosstrees Way | $607 |
| Channel Islands St, Valley Oak Ln, Collie Way, Pirate Point Ct, Whitelock Pkwy, Nectar Cir, Laguna Star Dr, Quail Knoll Ct, Argus Ct, Pearl Crest Ct | $603 |
| Hatherton Way, Patti Way, Harbourglen Way, Seattle Slew Ln, Yarnell Way, la Haya Dr, Mizzenmast Ct, Wynndel Way, Healon Way, Castlebridge Ct | $616 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Elk Grove | $91 to $93 |
| Sacramento County | $91 |
| Florin | $88 |
| Freeport | $92 |
| Coverage ($) | Deductible ($) | Age of home | Company | Average homeowners insurance premium ($) |
|---|---|---|---|---|
| 150000 | 500 | New | Tokio Marine America | 203 |
| 250000 | 500 | New | Pacific Specialty | 567 |
| 250000 | 500 | New | Safeco | 562 |
| 300000 | 500 | New | American Modern | 937 |
| 400000 | 1000 | New | Century National | 936 |
| 400000 | 1000 | New | Liberty Ins Corp | 626 |
| 400000 | 1000 | New | QBE (Balboa) | 747 |
| 500000 | 1000 | New | California Capital | 816 |
| 150000 | 500 | 1-3 Years | Nationwide | 462 |
| 250000 | 1000 | 1-3 Years | Nationwide | 603 |
| 250000 | 500 | 1-3 Years | General Ins | 363 |
| 250000 | 500 | 1-3 Years | Mercury Ins Group | 409 |
| 300000 | 500 | 1-3 Years | Travelers | 534 |
| 750000 | 2500 | 1-3 Years | Mercury Ins Group | 750 |
| 150000 | 250 | 4-6 Years | QBE (Balboa) | 578 |
| 150000 | 500 | 4-6 Years | Chubb/Federal | 754 |
| 150000 | 500 | 4-6 Years | Kemper | 559 |
| 300000 | 500 | 4-6 Years | Foremost Insurance | 1053 |
| 500000 | 1000 | 4-6 Years | Tokio Marine America | 636 |
| 750000 | 2500 | 4-6 Years | Metropolitan Direct | 1344 |
| 150000 | 500 | 7-15 Years | Grange | 406 |
| 200000 | 500 | 7-15 Years | MAPFRE Group | 742 |
| 250000 | 1000 | 7-15 Years | Wawanesa | 781 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $2,300 |
| Yearly Elk Grove Homeowner Insurance Premium Example | $700 | $500 |
| Out of Pocket Expense During Claim | $1,300 | $2,300 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,900 | $6,300 |
| Net Savings to Elk Grove Home Owner from High Deductible Plan | $600 | |
| Scenario | Elk Grove, CA Home Replacement Value MORE than Home Value | Elk Grove, CA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $426,000 | $267,000 |
| Insurance Premium based on Replacement Value | $1,100 | $700 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $71,000 | Risk Exposure from Under Insuring Coverage is $88,000 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $175/year |
| Insurance Company | Liberty Mutual | Chubb Group of Insurance | Nationwide Insurance |
| Monthly Premium | 55 | 46 | 70 |
| Year Built | 2004 | 1994 | 2011 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $300000-$350000 |
| Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible | $1000-$2500 Deductible |